Federal banking regulators have signaled a renewed openness to de novo bank applications, creating new opportunities for fintechs evaluating whether becoming a regulated financial institution aligns with their long-term strategy.

In the latest episode of RegFi, Jerry Buckley, Caroline Stapleton and Nathaniel Reisenburg discuss what it takes to secure a bank charter in today's environment. They examine regulator expectations around capital, governance, management experience and operational readiness, along with the strategic considerations fintechs and their investors should weigh when deciding whether the benefits of a charter outweigh the costs and constraints.

Links:

• RegFi Ep103: Why More Fintechs Are Pursuing Bank Charters
• Orrick Financial & Fintech Advisory
• RegFiPodcast.com